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Furniture

Rent To Own Furniture – Furnish Your Home with Flexible Financing

Create the perfect living space with high-quality furniture from Finance My Cart. Whether you’re looking for sofas, bedroom sets, dining tables, or home office furniture, we offer top brands like Ashley Furniture, IKEA, and more. With our rent-to-own and buy now, pay later payment plans, you can furnish your home without the large upfront cost. Enjoy affordable monthly payments, free shipping, and financing options tailored to your budget and credit situation. Make your house feel like a home today with flexible financing that fits your needs!

Original price $680.99 - Original price $680.99
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X Rocker - Evo Elite 4.1 Gaming Chair with Built-in Audio Surround Sound System - Black

X Rocker

Introducing the EVO Elite 4.1 Audio Gaming Chair Your Portal to Gaming Nirvana Unleash the true potential of your gaming experience with the EVO El...

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Original price $680.99 - Original price $680.99
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Original price $449.99 - Original price $449.99
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Sauder - River Ranch 6 Drawer Dresser - Grand Walnut

Sauder

Have enough storage until the cows come home. This dresser from the River Ranch collection offers 6-drawer storage for any style of home dcor. This...

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Original price $449.99 - Original price $449.99
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Original price $236.99 - Original price $236.99
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Arozzi - Mugello Special Edition Gaming Chair with Footrest - Red

Arozzi

Get an edge over the competition with this Arozzi Mugello series gaming chair. The ergonomic design and thick padded seat and backrest offer comfor...

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Original price $236.99 - Original price $236.99
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Original price $323.99 - Original price $323.99
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Serta - Fairbanks Bonded Leather Big and Tall Executive Office Chair - Black

Serta

Support your body with this Serta big and tall executive office chair. The dual-wheel casters make rolling around your workspace smooth while the f...

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Original price $323.99 - Original price $323.99
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Original price $145.99 - Original price $145.99
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Insignia - Computer Desk with Drawer 47" Wide - Dark Oak

Insignia

Add storage to your workspace with a desk that compliments any dcor. With the Insignia NS-ODD3 Computer Desk with Drawer 47" Wide you’ll have suff...

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Original price $145.99 - Original price $145.99
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Original price $387.99 - Original price $387.99
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Serta - Upholstered Back in Motion Health Wellness Manager Office Chair - Bonded Leather - Black

Serta

Take on the workday in comfort with this Serta Works ergonomic executive office chair. The Serta Claremont Office Chair delivers a smooth feel and ...

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Original price $387.99 - Original price $387.99
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Original price $208.99 - Original price $208.99
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OSP Home Furnishings - Papasan Chair - Pink

OSP Home Furnishings

Create a laid back vibe in your home with our twist on the classic papasan chair design. Nest into the generously large Dacron-filled cushion. Enjo...

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Original price $208.99 - Original price $208.99
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Original price $141.99 - Original price $141.99
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Office Star Products - Guest Chair - Grey/Black

Office Star Products

Offer guests an exceptional welcome with our superior quality Visitor’s Chair. Soft padded seat and back support good posture for both spine and hi...

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Original price $141.99 - Original price $141.99
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Alamont Home - Lila Outdoor Round Contemporary 3 Piece Patio Set - Aluminum

Alamont Home

Create an enjoyable dining experience with this table set that will enhance your bistro cafe restaurant hotel or home patio space. The designer sty...

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Original price $249.99 - Original price $249.99
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Walker Edison - 6-Piece Everest Acacia Wood Patio Dining Set - Brown

Walker Edison

6-Piece Everest Acacia Wood Patio Dining Set

Original price $1,325.99 - Original price $1,325.99
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Original price $329.99 - Original price $329.99
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Walker Edison - Everest Acacia Wood Outdoor Dining Table - Brown

Walker Edison

Create a simple yet inviting dining space on any deck or patio with this charming outdoor dining table. Constructed with a beautiful slatted surfac...

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Original price $329.99 - Original price $329.99
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OSP Home Furnishings - Country Meadows 36" Desk - Plantation Grey

OSP Home Furnishings

Create a home office that is both functional and beautiful thanks to heirloom styling. A large full extending drawer provides ample space for all o...

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Original price $306.99 - Original price $306.99
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Original price $184.99 - Original price $184.99
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Simpli Home - Boyd Wooden Accent Table - White Wash

Simpli Home

Bring sleek style to your space with the Boyd Wooden Accent Table. The unique shape and distinctive textured detail will bring a striking statement...

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Original price $184.99 - Original price $184.99
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Walker Edison - 7-Piece Everest Acacia Wood Patio Dining Set - Brown

Walker Edison

7-Piece Everest Acacia Wood Patio Dining Set

Original price $1,566.99 - Original price $1,566.99
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Walker Edison - 3-Piece Cypress Acacia Wood Patio Dining Set - Brown

Walker Edison

Make your outdoor space more welcoming with this 3-piece simple patio dining set. Made from acacia wood this set is constructed with simple lines. ...

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Original price $681.99 - Original price $681.99
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Original price $1,210.99 - Original price $1,210.99
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Walker Edison - 6-Piece Windsor Acacia Wood Patio Dining Set - Brown

Walker Edison

Rain or shine you’ll want to gather around this good-looking sturdy 6-piece outdoor dining set. The four comfortable patio chairs and bench feature...

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Original price $1,210.99 - Original price $1,210.99
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Original price $922.99 - Original price $922.99
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Walker Edison - 4-Piece Everest Acacia Wood Patio Dining Set - Brown

Walker Edison

Welcome in that summer fun feeling with this 4-piece outdoor living set It features one dining table two chairs with cushions and one bench. All of...

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Original price $922.99 - Original price $922.99
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Original price $122.99 - Original price $122.99
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OSP Home Furnishings - Sierra Mission End Table - Ash Finish

OSP Home Furnishings

Imagine how impressed your friends will be when they see the new Sierra Mission End Table in your home. Certain to proclaim your taste for serious ...

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Original price $122.99 - Original price $122.99
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Original price $184.99 - Original price $184.99
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Sauder - River Ranch Bookcase Full Queen Headboard - Sindoori Mango

Sauder

Add storage and display space and make a statement with this full/queen headboard from the River Ranch collection. This queen bookcase headboard a...

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Original price $184.99 - Original price $184.99
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Original price $336.99 - Original price $336.99
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Serta - Garret Bonded Leather Executive Office Chair with Premium Cushioning - Space Black

Serta

Bring relaxation to your busy workday with the Serta Garret Executive Office Chair. Serta kept comfort in mind while designing this desk chair with...

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Original price $336.99 - Original price $336.99
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Original price $259.99 - Original price $259.99
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2PK BLACK OUTDOOR PA

Alamont Home

2PK BLACK OUTDOOR PATIO CHAIRS

Original price $259.99 - Original price $259.99
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Original price $184.99 - Original price $184.99
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Simpli Home - Boyd Wooden Accent Table - Warm Dark Brown

Simpli Home

Bring sleek style to your space with the Boyd Wooden Accent Table. The unique shape and distinctive textured detail will bring a striking statement...

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Original price $184.99 - Original price $184.99
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Original price $361.99 - Original price $361.99
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OSP Home Furnishings - Ace 8 Cube Bookcase/Storage - River Oak

OSP Home Furnishings

Solve your practical storage solution in style with our wood and metal storage bookshelf With 13" x 13" cube shelves this bookshelf is the perfect ...

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Original price $361.99 - Original price $361.99
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Office Star Products - Mid Back Antimicrobial Fabric Chair - Dillon Snow

Office Star Products

Bring a well designed professional appearance to any office with our Mid-Back Antimicrobial Fabric Manager's Office Chair with padded contoured sea...

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Original price $288.99 - Original price $288.99
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Original price $1,166.99 - Original price $1,166.99
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Walker Edison - 5-Piece Windsor Acacia Wood Extendable Patio Dining Set - Dark Brown

Walker Edison

Keep it classy with this 5-piece outdoor dining set. Whether you’re looking for something to seat your family of four or entertain your close frien...

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Original price $1,166.99 - Original price $1,166.99
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Original price $1,461.99 - Original price $1,461.99
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Walker Edison - 7-Piece Windsor Extendable Patio Dining Set - Dark Brown

Walker Edison

Rain or shine you’ll want to gather around this good-looking sturdy 7-piece outdoor dining set. The six comfortable patio chairs feature chevron de...

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Original price $1,461.99 - Original price $1,461.99
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Razer - Iskur V2 Gaming Chair - Black/Green

Razer

Unlock the ergonomic edge you need for posture-perfect hardcore gaming with the Razer Iskur V2. Armed with an adaptive lumbar support system and a ...

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Original price $834.99 - Original price $834.99
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Original price $153.99 - Original price $153.99
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OSP Home Furnishings - Metal Bookcase - Purple

OSP Home Furnishings

Provide the perfect solution for keeping books files and binders neat and tidy with our 28" wide bookcase with adjustable shelf featuring one fixed...

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Original price $153.99 - Original price $153.99
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Original price $360.99 - Original price $360.99
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OSP Home Furnishings - Fletcher Spindle Chair - Charcoal

OSP Home Furnishings

Create a designer feel to your dcor with the classic Fletcher Spindle Chair. Deep inviting cushions allow for cozy relaxation. Enjoy traditional st...

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Original price $360.99 - Original price $360.99
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Original price $167.99 - Original price $167.99
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Simpli Home - Dayton Wooden Accent Table - Light Cognac

Simpli Home

Bring contemporary style to your space with the Dayton Wooden Accent Table. The unique shape and distinctive textured detail will bring a striking ...

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Original price $167.99 - Original price $167.99
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Original price $957.99 - Original price $957.99
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Sauder - Palladia L-Shaped Desk - White/Black

Sauder

Tackle your weekly to-do list your next big project or write your next book with this l-shaped desk from the Palladia collection. This home office ...

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Original price $957.99 - Original price $957.99
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Original price $311.99 - Original price $311.99
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OSP Home Furnishings - Gainsborough Rocker - Azure

OSP Home Furnishings

No matter what your style you’ll love the timeless look of the Gainsborough Rocker from Avenue Six. Its low-slung silhouette gives a nod to Mid-Cen...

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Original price $311.99 - Original price $311.99
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Original price $458.99 - Original price $458.99
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OSP Home Furnishings - Wellington 46" Desk with Power - Toasted Wheat

OSP Home Furnishings

Inspired by the classic elegance of vintage field desks this stylish writing desk brings traditional style to the modern home office. Whether you a...

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Original price $458.99 - Original price $458.99
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Original price $384.99 - Original price $384.99
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OSP Home Furnishings - ACE 60" Desk with Hutch Shelf - River Oak/Black

OSP Home Furnishings

You can have it all with our beautiful 60" workstation with elevated hutch style monitor shelf. Premium features like USB and power port keeps you ...

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Original price $384.99 - Original price $384.99
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Original price $237.99 - Original price $237.99
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Alamont Home - Duncan Rectangle Modern Laminate Gaming Desk - Black

Alamont Home

Whether you're on a quest building cities from the ground up or taking out zombies a great gaming desk is a must have. This black gamer workstation...

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Original price $237.99 - Original price $237.99
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Original price $1,164.99 - Original price $1,164.99
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Walker Edison - 5-Piece Everest Acacia Wood Patio Dining Set - Brown

Walker Edison

Plan the perfect tea party birthday bash our backyard palooza with this 5-piece simple outdoor patio dining set. This solid wood modern dining set ...

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Original price $1,164.99 - Original price $1,164.99
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$1,164.99
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Current price $1,164.99

What is Terrace Finance?

Terrace Finance is the payment method for Finance My Cart. Terrace Finance provides an application portal to a network of payment solution providers curated to service a wide range of credit profiles and products. The types of payment solutions available include loans and lease to own/rent to own solutions. Apply through any apply link on our site and the Terrace Finance platform will work to match you with a compatible payment solution provider and return an offer to you. Our agents will then initiate a contract based on the items in your cart and facilitate the finalization with the payment solution provider as well as the supplier for your items.

Why should I consider lease-to-own?

Get what you need now without a credit card. Leasing to own out-of-pocket expenses gives you another way to pay for the services you want or need without delay.  Plus, it gives you the opportunity to spread payments out over time so the payments can work within your budget. This allows you to keep existing savings, credit card, or emergency funds as a buffer for unexpected expenses or other day-to-day needs.

Do I have to have good credit to shop at Finance My Cart?

No! Since we use Terrace Finance as our payment method, customers of all credit profiles have access to programs they may qualify for. While it is easy to find ways to pay when you have good credit, we pride ourselves on having options for folks who fall just outside the top tier as well as those who have low or no credit. Let’s just call it “less than perfect credit”, shall we?

Can I pay off early to save money?

Yes! While early payoff and same as cash periods vary by provider in the Terrace Finance network, they do each have options to allow you to affordably purchase your item before the agreement term is complete. You will be presented with the available options for consideration before signing.